Mortgage Myths vs Facts: Debunking Common Misconceptions
The mortgage process can feel overwhelming, especially when you’re bombarded with conflicting information. To make informed decisions, it’s crucial to separate fact from fiction. In this blog, we’ll tackle some of the most common mortgage myths in the UK and provide the facts to help you navigate the mortgage journey with confidence. Myth 1: […]
Declined Mortgage Application? Here’s How We Can Help You Turn It Around
Securing a mortgage is one of the most exciting and often nerve-wracking steps on the journey to owning your dream home. But what happens when things don’t go to plan and your mortgage application is declined? It’s disheartening, we know. But here’s the good news: a decline doesn’t have to be the end of the […]
Self-Employed or Have a Complex Income? Getting a Mortgage Isn’t Out of Reach
At Clever Mortgages, we speak to people every day who’ve been turned away by their bank simply because they don’t fit into the “traditional” salary box. Maybe you’re self-employed, a contractor, juggling multiple income streams or all three. And perhaps you’ve been told, “Sorry, you don’t meet our criteria.” But here’s the truth: Just because […]
Stamp Duty Changes in April 2025 – The Countdown Begins!
If you’re planning to buy a property, time is running out to take advantage of the current Stamp Duty rates before the upcoming changes in April 2025. With only weeks left until the new rates come into effect, buyers must act swiftly to ensure their transactions are completed in time. But what exactly is changing, […]
Was Your Mortgage Application Declined? Here’s What to Do Next
Getting your mortgage application declined can feel like a punch to the gut. But don’t worry—it’s not the end of the road. While your first instinct might be to rush off and apply with another lender, it’s better to pause and figure out why you were declined in the first place. At Clever Mortgages, we’ve […]
Mortgage Options for Those in a Debt Management Plan (DMP)
If you have been or are currently in a Debt Management Plan (DMP), you might wonder how this impacts your ability to get a mortgage. The good news is that there are mortgage options available, whether you’re currently in a DMP or have completed one. Let’s explore what a DMP is, the available mortgage options, […]
We’ve helped 1000s of customers, and still counting!
We’ve made it our mission to help as many people as possible find their perfect mortgage, specialising in helping people with a bad credit history or previous credit issues – we think everyone deserves a chance to remortgage or own their dream home! Difference between going direct to a lender and seeking the advice of […]
Can you get a mortgage with debt?
Many people who are in debt automatically assume they won’t be eligible for a mortgage. This isn’t always the case and you should still have a chance to take out a mortgage if you have debts. However, if your existing or previous debt has had a negative impact on your credit rating, then it can […]
Can you get a mortgage after an iva – See if we can help you?
Can I get a Mortgage after an IVA – If you’ve got a mortgage currently, but are on a high rate – whatever your credit history, you should consider getting some advice on switching.
